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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed May 15, 2026·41 days on market

3139 S Deer Avenue

Middleburg, FL 32068

$215,000sold priceListed at $249,000 · 86.3% of asking$130/sqftMLS# 2134836
3
Beds
2
Baths
1,652
Sq Ft
1986
Built
1
Garage
Yes
Pool
No HOA1.29 acresSingle Family Residence2 stories

About this home

Middleburg

Great investment opportunity in the highly sought-after Black Creek Park area of Middleburg. Situated on 1.29 acres, this property offers plenty of space and potential for renovation or improvement. The existing home will require repairs/updates and is being offered AS-IS as a diamond in the rough for buyers ready to bring their vision and creativity. The generous lot provides room for outdoor storage, projects, or future enhancements while enjoying the peaceful surroundings of this established area. Property offers strong potential for investors or buyers looking to renovate and add value.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,191
Property taxesest. at asking price, Clay County$329
Estimated total, before insurance$1,520/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,547/yr · $212/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$215,000
$43,000
Loan Term
Monthly Payment
$1,191
Principal & Interest: $1,191
Property taxes (est.): $330
Insurance (est.): $143
Estimated Total Monthly
$1,664
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,547/yr

Estimated taxes if purchased at asking price: ~$4,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Apr 7, 2026Listed$249,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $245/sq ft; this home is listed at $151/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENTSep 2026$444,000$2454/21,809290.3
4665 Gopher Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$460,000$2304/32,00040.3
2883 Longleaf Ranch Circle, Middleburg, FL 32068Listed by WATSON REALTY CORPJul 2026$422,000$2034/22,076600.4
4871 Gopher Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSJul 2026$575,000$2933/2.51,96110.6
4505 Ranch Pines Way, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$365,000$1964/21,867400.6
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$249,000
Price / Sq Ft$151
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,652
Total Structure Area1,652 sq ft
Acres1.29 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
# of Garages1
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address3139 S Deer Avenue, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size56,192.4 sq ft
Lot Dimensions151X368
Parcel Number32052400669899000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingRV Access/Parking

Interior

AppliancesNone
CoolingOther
FireplaceYes
# of Fireplaces1
# of Stories2

Exterior

Other StructuresOther
Road SurfaceAsphalt

Additional Information

Date ListedApril 7, 2026
Days on Market41
Tax Amount$2,546.75
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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